As of 2025-06-03, the Intrinsic Value of SBI Cards and Payment Services Ltd (SBICARD.NS) is 480.26 INR. This SBICARD.NS valuation is based on the model Discounted Cash Flows (Growth Exit 5Y). With the current market price of 923.65 INR, the upside of SBI Cards and Payment Services Ltd is -48.00%.
The range of the Intrinsic Value is 326.89 - 730.58 INR
Based on its market price of 923.65 INR and our intrinsic valuation, SBI Cards and Payment Services Ltd (SBICARD.NS) is overvalued by 48.00%.
| Range | Selected | Upside | |
| a | |||
| DCF (Growth 5y) | 326.89 - 730.58 | 480.26 | -48.0% |
| DCF (Growth 10y) | 461.23 - 869.56 | 617.75 | -33.1% |
| DCF (EBITDA 5y) | 686.03 - 949.51 | 873.81 | -5.4% |
| DCF (EBITDA 10y) | 757.59 - 1,062.84 | 953.47 | 3.2% |
| Fair Value | 278.74 - 278.74 | 278.74 | -69.82% |
| P/E | 324.69 - 560.62 | 410.58 | -55.5% |
| EV/EBITDA | 662.54 - 1,886.55 | 1,139.63 | 23.4% |
| EPV | 340.74 - 450.61 | 395.67 | -57.2% |
| DDM - Stable | 110.99 - 212.18 | 161.59 | -82.5% |
| DDM - Multi | 139.85 - 205.36 | 166.24 | -82.0% |
| Market Cap (mil) | 878,751.40 |
| Beta | 0.72 |
| Outstanding shares (mil) | 951.39 |
| Enterprise Value (mil) | 1,293,406.40 |
| Market risk premium | 8.31% |
| Cost of Equity | 14.62% |
| Cost of Debt | 5.00% |
| WACC | 11.19% |